Re: Take the FICO Fitness Challenge!

I followed the advise on this site. I spent a lot of time on the credit rebuilding forum, then the mortgage forum, then the credit card forum, and finally the auto loan forum. I pretty much made the rounds. I sent out what seemed like a hundred letters and followed up by pulling my reports daily. Within 2 years my score went up a lot. I have since bought a new house, a reliable car, and have good credit cards. Time and persistence is your ally.

Re: Take the FICO Fitness Challenge!

1. My FICO goal for 2010 is to get my score above 750 and my husbands to 700

2. my current EQ score: 712 His: 612

3. I intend to pay off all remaining credit card debt and unsecured loans. I currently am at roughly, 40% on my credit cards and have about $22000 in student loans and other personal loans. Once those are paid all that will be left is the mortgage. Wish me luck.

Re: Take the FICO Fitness Challenge!

I hope to break into the 700 club - although I'm not certain that's possible in one year. I checked my credit score on December 28t and I'm currently at a 630. Entering into 2009, I was at a 528 - so I've made significant progress. 2010 marks a year where I want to me more financially fit all around, have a little money in the bank saved up, and stop spending on unneccessary items. I hope to achieve raising my fico score as much as I can by 1. not applying for new credit, 2. paying down and off as much of my debt as I can, 3. being more financially savvy!

Re: Take the FICO Fitness Challenge!

I did it in a year. My score in January of 2009 was 592. I'm at 712 now, and it actually dropped a little to be that low. It was 719 a month ago. But I bought a car so it lowered a little. It took a lot of hard work. I checked my score, pretty much daily. Paid everything on time or early. Paid down my credit cards from about 95% to roughly 40%. And didn't apply for any new credit if I didn't need it.

Re: Take the FICO Fitness Challenge!

My goal is to break 760. My plan is to do a whole lotta nothing since my major negatives are my credit history length and waiting for an old delinquency to drop off my record. For everyone else massive repair is possible just be mindful and have patience.

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